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I write about debt issues all the time. I've done it for decades. Truly the best way to deal with digging yourself out of a financial hole is to adjust the balance of your money coming in and your dollars going out. It is a fact of life that every dollar saved in expenses is a dollar you don't have to earn. Why work harder when you can work less and come out further ahead.

Based on my recent experience of saving $3,200 in annual expense with just a tad of mediocre effort, here are things you can think about doing as well to save yourself a boatload of money with almost no effort at all.

The piece also contains a bunch of great reader tips as well. Thanks to everyone who contributed.

Change always seems to require great sacrifice but I think you'll find these money saving tips to be simple, quick, and almost relatively painless.

About this Blog:

Steve Rhode has had careers in opthalmology, real estate and as the head of a nonprofit debt counseling firm. On his blog, he offers hard-won, free advice about getting out of debt, consolidation and making the right choices as you manage your money.